The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,286
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$357/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,723
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,988/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,555
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,892
−HK$342/mo
Today · 4.125%
HK$13,234
baseline
▲ 0.50% · 4.625%
HK$13,931
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,468/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,543
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,964
−HK$428/mo
Today · 4.125%
HK$14,392
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,784/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,066
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$409/mo
Today · 4.125%
HK$15,880
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,760/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,800
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$499/mo
Today · 4.125%
HK$16,791
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$1,022/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,582/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,578
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$478/mo
Today · 4.125%
HK$18,527
baseline
▲ 0.50% · 4.625%
HK$19,504
+HK$977/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,054/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,314
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,946
−HK$642/mo
Today · 4.125%
HK$21,588
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,314/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,176/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,600
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$615/mo
Today · 4.125%
HK$23,821
baseline
▲ 0.50% · 4.625%
HK$25,076
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,642/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,361 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).